scholarly journals Perception of Farmers’ on Soil Fertility Problems and Replenishment Technologies in the North Rift Region of Kenya

2020 ◽  
pp. 111-122
Author(s):  
Margaret A. Osundwa ◽  
Earnest Saina ◽  
Caleb Othieno
Keyword(s):  
Soil Fertility ◽  
Interest Rates ◽  
Sampling Technique ◽  
Access To Credit ◽  
The North ◽  
Soil Fertility Replenishment ◽  
Low Interest Rates ◽  
In Trans ◽  
On Farm ◽  
Selection Of

This paper investigates the farmers’ perception on soil fertility replenishment technologies in the North Rift Region of Kenya. A survey was conducted in Trans Nzoia and Uasin Gishu counties of the North Rift Region of Kenya. A total of 108 respondents were interviewed. A two stage random sampling technique was employed in the study. In the first stage, farmer groups growing maize as the main crop were selected. The second stage involved the selection of farmers who were practicing cereal banking for ease of marketing of their produce. A survey and field demonstration plots were adopted. On-farm demonstration were carried out and used to ascertain the farmers’ perception towards the technologies. A structured questionnaire was administered to them to elicit information on their perception on soil fertility replenishment technologies (SFRT). Descriptive statistics and the multiple regression analysis was done using a Statistical Package for Social Sciences (SPSS). The results revealed that farmers perceived that technologies could be used to address the declining soil fertility. The inputs were affordable available, the Ministry of Agriculture, Livestock and Fisheries (MOALF) was effective in disseminating the technologies and that the technologies could work on any farm at mean score of 3.5, 4.1, 4.0, 3.4 and 4.6 out of 5.0 respectively. Farmers in Trans Nzoia county identified lack of capital (70.4%) compared to Uasin Gishu (39.9%) as the greatest challenge in the adoption of SFRT technologies. Credit schemes that offer loans with low interest rates should be established to enable farmers have access to credit.

scholarly journals The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa

2017 ◽  
Vol 9 (3(J)) ◽  
pp. 192-201
Author(s):  
Reginald Masocha ◽  
Tafadzwa Matiza
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Sampling Technique ◽  
Bank Account ◽  
Banking Services ◽  
Switching Behaviour ◽  
Low Interest Rates ◽  
Convenience Sampling ◽  
Physical Branch

This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.

Regulated Sharing Economy in the New Normal

2021 ◽  
pp. 1-19
Author(s):  
Volkan Kaymaz
Keyword(s):  
Interest Rates ◽  
Sharing Economy ◽  
2008 Financial Crisis ◽  
Main Motivation ◽  
Access To Credit ◽  
Consumption Expenditures ◽  
Low Interest Rates ◽  
The 2008 Financial Crisis ◽  
Traditional Economy ◽  
Over Time

The sharing economy developed rapidly with the increase in consumption expenditures in a period when low interest rates and access to credit were easy before the 2008 Financial Crisis and entered into serious competition with companies operating in the traditional economy. The use of sharing economy tools has increased as a result of sustainability, environmentalism, desire for new experiences, local tourism, and authentic searches. The sharing economy, whose main motivation is to reintroduce idle products to the market, has changed its priorities over time and turned into a profit-oriented structure, and large companies increased their revenues by increasing the number of users. The criticisms emerging as a result of employment losses, reservation cancellations, reimbursement requests, lack of social security of employees, and therefore not being able to benefit from COVID-19 aids have revealed the missing parts of the sharing economy.

scholarly journals The Role of E-Banking on the Switching Behaviour of Retail Clients of Commercial Banks in Polokwane, South Africa

2017 ◽  
Vol 9 (3) ◽  
pp. 192
Author(s):  
Reginald Masocha ◽  
Tafadzwa Matiza
Keyword(s):  
South Africa ◽  
Interest Rates ◽  
Sampling Technique ◽  
Bank Account ◽  
Banking Services ◽  
Switching Behaviour ◽  
Low Interest Rates ◽  
Convenience Sampling ◽  
Physical Branch

This study focused on investigating the role of E-banking on the switching behaviour of retail bank clients in Polokwane, South Africa. Recently, studies have shown that people are switching banks more often than in the past. Circumstances that are beyond control cause people to switch. This has become a challenge in the banking industry as many banks lose their clients. However, newly developed technologies have brought many changes in the operation of banks. The new E-banking services have enabled bank clients to have access to their bank account for 24 hours without visiting the physical branch. A sample of 98 respondents was surveyed in Polokwane, South Africa using the convenience sampling technique. The cronbach alpha test was used to ascertain reliability of the findings. The findings reveal that demographic characteristics have much impact on the switching behaviour of commercial bank clients and acceptance of e-banking services. Switching factors such as bank charges, low interest rates on savings, promotion activities, location and switching costs were the major reasons for bank customers to switch banks.

scholarly journals Determinants of Youth Farmers’ Participation in Agricultural Activities in Akwa Ibom State, Nigeria

2020 ◽  
Vol 12 (12) ◽  
pp. 201
Author(s):  
M. U. Dimelu ◽  
A. M. Umoren ◽  
Jane M. Chah
Keyword(s):  
State Government ◽  
Random Sampling ◽  
Agricultural Development ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Development Programme ◽  
Livelihood Strategies ◽  
Agricultural Activities ◽  
Access To Credit ◽  
On Farm

A refocus on agriculture is considered a pertinent resort for the youths because it is generally believed to be a panacea for sustainable development in any nation. To help generate suitable policies to encourage youth farmers to be involved in agricultural activities, the study analysed factors that influence youth farmers’ participation in agricultural activities in Akwa Ibom State, Nigeria. Through a list of farmers obtained with the assistance of Akwa Ibom State Agricultural Development Programme, 120 youth farmers were randomly selected for the study using simple random sampling technique. The study used descriptive and inferential tools to analyse information collected. The majority (59.2%) of youth farmers were male and 42.5% were between the ages of 36-39 years. Only 8.3% had access to credit. About 71% of the youth farmers were involved in on-farm activities and only 29.2% in both on- and off-farm activities. The major determinants of youth agricultural activities were household size and membership of social organizations. The state government and other relevant agencies and organizations should create platforms to educate youth farmers on the need for more involvement and diversification in their agricultural livelihood strategies.

scholarly journals Access to Credit and Constraint Analysis: The Case of Smallholder Rice Farmers in Ghana

2016 ◽  
Vol 4 (2) ◽  
pp. 53 ◽  
Author(s):  
Elisha Kwaku Denkyirah ◽  
Ahmed Abdul Aziz ◽  
Elijah Kofi Denkyirah ◽  
Ofori Obeng Nketiah ◽  
Elvis Dartey Okoffo
Keyword(s):  
Sampling Technique ◽  
Probit Model ◽  
Rice Production ◽  
Farm Income ◽  
Record Keeping ◽  
Access To Credit ◽  
Rice Farmers ◽  
Multi Stage ◽  
Coefficient Of Concordance ◽  
On Farm

The study assessed rice farmers’ access to credit and constraints in rice production in the Tolon District of Ghana. A total of 140 rice farmers were sampled for the study using multi-stage sampling technique. The probit model was used to estimate the factors that affected rice farmers’ access to credit. The Kendall’s coefficient of concordance was used to assess the constraints in rice production. The results of the study revealed that majority of the rice farmers accessed credit from family and friends and invested the credit into non-agricultural activities. The probit result revealed that age, marital status, member of farmer based organization, extension visit, record keeping and farm income were the significant variables that influenced rice farmers’ access to credit. The results also revealed that high cost of inputs and pest were the most pressing institutional and technical constraints in rice production, respectively. The study recommends that credit should be converted to physical inputs and other services and delivered to farmers to help minimize credit diversion from the farm sector. Rice farmers should be encouraged to form farmer groups and keep records of farming activities considering the fact that it positively influenced farmers’ access to credit. Subsidies should be provided on farm inputs. Effective ways of eliminating pest on rice fields should be developed since it was a major challenge facing the rice farmers in their production.

scholarly journals Quantifying the value of on-farm measurements to inform the selection of key performance indicators for livestock production systems

2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Andy Jones ◽  
Taro Takahashi ◽  
Hannah Fleming ◽  
Bruce Griffith ◽  
Paul Harris ◽  
...  
Keyword(s):  
Performance Indicators ◽  
Production Systems ◽  
Key Performance Indicators ◽  
Information Value ◽  
Financial Benefit ◽  
Minimum Requirement ◽  
The North ◽  
Sheep Production ◽  
On Farm ◽  
Selection Of

AbstractThe use of key performance indicators (KPIs) to assist on-farm decision making has long been seen as a promising strategy to improve operational efficiency of agriculture. The potential benefit of KPIs, however, is heavily dependent on the economic relevance of the metrics used, and an overabundance of ambiguously defined KPIs in the livestock industry has disincentivised many farmers to collect information beyond a minimum requirement. Using high-resolution sheep production data from the North Wyke Farm Platform, a system-scale grazing trial in southwest United Kingdom, this paper proposes a novel framework to quantify the information values of industry recommended KPIs, with the ultimate aim of compiling a list of variables to measure and not to measure. The results demonstrated a substantial financial benefit associated with a careful selection of metrics, with top-ranked variables exhibiting up to 3.5 times the information value of those randomly chosen. When individual metrics were used in isolation, ewe weight at lambing had the greatest ability to predict the subsequent lamb value at slaughter, surpassing all mid-season measures representing the lamb’s own performance. When information from multiple metrics was combined to inform on-farm decisions, the peak benefit was observed under four metrics, with inclusion of variables beyond this point shown to be detrimental to farm profitability regardless of the combination selected. The framework developed herein is readily extendable to other livestock species, and with minimal modifications to arable and mixed agriculture as well.

scholarly journals PENERAPAN METODE SIMPLE ADDITIVE WEIGHTING (SAW) UNTUK KELAYAKAN PEMBERIAN PINJAMAN PADA KOPERASI SIMPAN PINJAM MAKMUR JAYA DI PALINGKAU LAMA KECAMATAN KAPUAS MURUNG KABUPATEN KAPUAS BERBASIS VISUAL

Respati ◽  
2020 ◽  
Vol 15 (2) ◽  
pp. 70
Author(s):  
Ahmad Shalludin
Keyword(s):  
Interest Rates ◽  
Common Interest ◽  
Economic Organization ◽  
Final Report ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Low Interest Rates ◽  
The Common ◽  
Simple Additive Weighting ◽  
Selection Of

                                               ABSTRAKKoperasi adalah sebuah organisasi ekonomi yang dimiliki dan dioperasikan oleh orang-seorang demi kepentingan bersama. Koperasi melandaskan kegiatan berdasarkan prinsip gerakan ekonomi rakyat yang berdasarkan asas kekeluargaan. Koperasi simpan pinjam Makmur Jaya mempunyai kegiatan usaha menerima simpanan dan memberikan pinjaman uang kepada para anggotanya dengan bunga yang rendah. Dalam pemberian pinjaman pihak koperasi perlu melakukan seleksi kelayakan dan perhitungan yang tepat terhadap calon anggota koperasi yang akan mengambil pinjaman. Penerapan metode Simple Additive Weighting (SAW) untuk kelayakan pemberian pinjaman pada Koperasi simpan pinjam Makmur Jaya berbasis visual dapat membantu analisis dalam memberikan pertimbangan dan menentukan kelayakan pemberian pinjaman pada anggota yang akan meminjam uang. Ada 6 kreteria yang digunakan yaitu pekerjaan, penghasilan, nilai jaminan, jumlah tanggungan, status rumah dan lama pinjaman. Laporan akhir yang di hasilkan adalah Laporan data hasil seleksi permohonan yang diterima (layak) dan Laporan data hasil seleksi permohonan yang ditolak (tidak layak)Kata Kunci : Koperasi, Pinjaman, Simple Additive Weighting (SAW)                                         ABSTRACTA cooperative is an economic organization that is owned and operated by individuals for the common interest. Cooperatives base activities based on the principles of the people's economic movement which are based on the principle of kinship. The Makmur Jaya savings and loan cooperative has a business activity of accepting deposits and providing loan money to its members at low interest rates. In providing loans, the cooperative needs to carry out a feasibility selection and proper calculation of prospective cooperative members who will take out the loan. The application of the Simple Additive Weighting (SAW) method for the feasibility of providing loans to the visual-based Makmur Jaya Savings and Loans Cooperative can help analysis in giving consideration and determining the feasibility of providing loans to members who will borrow money. There are 6 criteria used, namely employment, income, collateral value, number of dependents, home status and length of loan. The final report that is produced is a data report on the selection results of applications that were received (feasible) and a data report on the results of selection of applications that are rejected (not feasible)Keywords : Cooperatives, Loans, Simple Additive Weighting (SAW)

Addressing on-farm management to enhance pasture productivity and persistence

2013 ◽  
pp. 241-244
Author(s):  
W.N. Reynolds
Keyword(s):  
Management Strategies ◽  
Dairy Farm ◽  
Stocking Rate ◽  
Pasture Management ◽  
Pasture Production ◽  
Operating Profit ◽  
The North ◽  
The Cost ◽  
On Farm ◽  
Attention To Detail

Following the 2007/08 drought, we experienced poor pasture production and persistence on our dairy farm in north Waikato, leading to decreased milksolids production and a greater reliance on bought-in feed. It is estimated that the cost of this to our farming operation was about $1300 per hectare per year in lost operating profit. While climate and black beetle were factors, they did not explain everything, and other factors were also involved. In the last 3 years we have changed our management strategies to better withstand dry summers, the catalyst for which was becoming the DairyNZ Pasture Improvement Focus Farm for the north Waikato. The major changes we made were to reduce stocking rate, actively manage pastures in summer to reduce over-grazing, and pay more attention to detail in our pasture renewal programme. To date the result has been a reduced need for pasture renewal, a lift in whole farm performance and increased profitability. Keywords: Focus farm, over-grazing, pasture management, pasture persistence, profitability

SISTEM PENDUKUNG KEPUTUSAN PEMILIHAN KEPALA CABANG TERBAIK BANK SUMUT DENGAN MENERAPKAN METODE VIKOR

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Betrik J Hutapea ◽  
Mesran Mesran ◽  
Siti Nurhabibah
Keyword(s):  
Decision Support ◽  
Decision Support System ◽  
Support System ◽  
Development Bank ◽  
Vikor Method ◽  
The North ◽  
Long Time ◽  
North Sumatra ◽  
Regional Development Bank ◽  
Selection Of

SUMUT Bank is one of the Banks in Indonesia with the name of the company PT. Regional Development Bank of North Sumatra. The North Sumatra Bank has branches in each region in North Sumatra both in the district and in the sub-district, and each of these branches is led by a branch leader or branch head. The head of this branch is responsible for the reversal of the Bank being led. The best and most accomplished branch heads deserve more and more awards. The selection of the best branch heads is selected transparently and structured in the hope that it can be a motivation for all branch heads to be able to further improve the quality and service of the Bank they lead. Making the best branch head selection done manually will take a long time and tends to be less transparent and structured. One solution so that the implementation of the selection can be carried out easily and quickly, it requires a Decision Support System that can provide consistency of assessment. In this study the method used is the VIKOR method (Visekriterijumsko Kompromisno Rangiranje). This method makes cracking on alternatives based on criteria that have been determined with an ideal compromise solution or the best solution, so that this system can later be beneficial for the SUMUT Bank to get the title in determining the best branch head.Keywords: Decision Support System, North Sumatra Bank, Branch Head, Vikor

Selection of china plum varieties (Prunus salicina lindl.) for use in modern plantings of the northern caucasus foothill zone

2020 ◽  
Vol 61 ◽  
pp. 69-76
Author(s):  
A. E. Dedova
Keyword(s):  
Northern Caucasus ◽  
Seasonal Growth ◽  
North Caucasus ◽  
Biometric Parameters ◽  
The North ◽  
Prunus Salicina ◽  
Breeding Station ◽  
New Varieties ◽  
Plum Varieties ◽  
Selection Of

This paper presents the results of two years of research (2018-2019) of the most important phonological phases of seasonal growth and development, biometric parameters, productivity and economic efficiency of new varieties of Chinese plum (P. salicina Lindl.) grown in the foothill zone of the North Caucasus in the Krymsk district of Krasnodar territory on a plot of the Krymsk experimental breeding station – branch of VIR. As a result of research, the varieties Angeleno, Black Star, Byron Gold, Black Amber, Larry Ann and Sun Gold were recommended for cultivation using intensive technologies.

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